IFSC Code of Kotak Mahindra Bank Limited, Kokan Mercantile Co Op Bank Ltd Nagothane Branch, Maharashtra

Below are the complete branch details for Kotak Mahindra Bank Limited, KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch, located in NAGOTHANA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0KMCB51. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KKBK0KMCB51 for Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch, the IFSC KKBK0KMCB51 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and KMCB51 identifies this particular branch.

About the bank

Kotak Mahindra Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kokan Mercantile Co Op Bank Ltd Nagothane branch in Nagothana, Maharashtra is part of this network and uses the IFSC code KKBK0KMCB51 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD NAGOTHANE 106, BAZAR PETH, NAGOTHANE, TAL. ROHA, DIST. RAIGAD 402 106. It serves the Nagothana region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kotak Mahindra Bank Limited. The IFSC KKBK0KMCB51 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch came to be assigned the code KKBK0KMCB51.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KKBK0KMCB51, money simply cannot be routed to the KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch electronically.

Products and account variants supported

Every account opened at the Kokan Mercantile Co Op Bank Ltd Nagothane branch is mapped to IFSC KKBK0KMCB51 on the RBI payments network. The branch generally supports the full retail product catalogue of Kotak Mahindra Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KKBK0KMCB51.

Banking services available

The Kokan Mercantile Co Op Bank Ltd Nagothane branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2194-222383.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KKBK0KMCB51

How to transfer money using IFSC KKBK0KMCB51

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KKBK0KMCB51 across all three.

NEFT to Kotak Mahindra Bank Limited, KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE using IFSC KKBK0KMCB51

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KKBK0KMCB51, and confirm that the system picks up Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0KMCB51 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE, use IMPS. With IFSC KKBK0KMCB51 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KKBK0KMCB51 for Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Kokan Mercantile Co Op Bank Ltd Nagothane branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC KKBK0KMCB51

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE is still mapped to IFSC KKBK0KMCB51. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KKBK0KMCB51 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0KMCB51

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KKBK0KMCB51 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Kokan Mercantile Co Op Bank Ltd Nagothane branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0KMCB51 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KKBK0KMCB51

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KKBK0KMCB51.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Kokan Mercantile Co Op Bank Ltd Nagothane branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD NAGOTHANE 106, BAZAR PETH, NAGOTHANE, TAL. ROHA, DIST. RAIGAD 402 106, which puts it inside Nagothana, the broader Raigad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Kokan Mercantile Co Op Bank Ltd Nagothane branch” — the verified location pin for IFSC KKBK0KMCB51 should appear at the top of the results.
2. Confirm the branch is open by calling 2194-222383 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KKBK0KMCB51 and your account number.

Verifying IFSC KKBK0KMCB51 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KKBK0KMCB51 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2194-222383.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kokan Mercantile Co Op Bank Ltd Nagothane branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0KMCB51, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0KMCB51 belongs to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD NAGOTHANE branch, located at KOKAN MERCANTILE CO-OP BANK LTD NAGOTHANE 106, BAZAR PETH, NAGOTHANE, TAL.… in NAGOTHANA, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.